Securing Payments at Speed: Binding Identity, Transaction and Account Risk Signals to Stop Fraud in Real Time

Fraud doesn’t stop at onboarding — it shows up in the payments flow. First-party fraud, synthetic identities, and account takeovers (ATO) often pass initial checks, evade transaction monitoring, and exploit fragmented fraud strategies. Without a unified view that connects identity, account status, and transaction behavior, fraudsters slip through the cracks. This session explores how a persistent identity framework, backed by AI and consortium intelligence, closes those gaps and stops fraud before funds ever move. Join our panel as we break down how to link onboarding risk signals—like device data, behavioral anomalies, and synthetic fraud indicators—with real-time transaction monitoring and account intelligence. We’ll cover why account validation alone isn’t enough, how persistent identity tokens can verify intent and ownership, and how shared fraud intelligence can elevate protection across the ecosystem. Attendees will walk away with tactical insights to reduce false declines, catch sleeper fraud, and support more secure transactions over all payment rails —without compromising user experience.